Analyst II, Credit Risk
About The Position
As an Analyst II, Credit Risk, you will help shape CarMax Auto Finance’s credit strategies and drive operational excellence. You will use data analytics, statistical modeling, and database tools to analyze, test, and implement credit product strategies that support business performance and customer experience. You will identify ways to optimize credit processes and originations, and provide actionable insights to senior leadership. You will design and maintain reporting dashboards for metrics including originations, bookings, and sales trends, ensuring timely and accurate updates for decision-making. The role also requires a strong commitment to compliance and operational risk controls, consistent with CarMax’s focus on integrity and transparency. The position is part of a collaborative, data-driven Credit Risk team. Associates may work from the CarMax Auto Finance office in Kennesaw, Georgia, and are expected to work onsite four days per week.
Requirements
- Bachelor’s degree required.
- 0–3 years of experience in an analytical role.
- Ability to access, manipulate, and interpret data using analytical tools.
- Proficiency in Excel, PowerPoint, and general software applications.
- Strong communication skills.
- Applicants must be currently authorized to work in the United States on a full-time basis; sponsorship is not available for this role.
Nice To Haves
- Degree in an analytical or mathematical discipline.
- Experience with database systems and programming tools such as SQL or Python.
Responsibilities
- Analyze, test, and implement credit product strategies using statistical and database tools to improve performance.
- Identify opportunities to optimize credit and originations processes to enhance value for the business and customers.
- Design and maintain reporting dashboards for metrics such as originations, bookings, and sales trends.
- Deliver insights and updates to senior leadership to support strategic decision-making.
- Ensure compliance with regulatory standards and operational risk controls.
Benefits
- Paid sick time: up to 48 hours per year, accrued each pay period.
- Vacation time: 80 to 200 hours per year after a 90-day waiting period, depending on years of continuous service.
- Paid scheduled holidays: six per year, plus one floating holiday.
- Holiday premium pay may be available to eligible associates who work on a scheduled holiday due to business need.
- Full-time salaried associates receive paid time away as needed for sick leave, vacation, bereavement, jury duty, holidays, and floating holidays, subject to manager approval.
- May be eligible for a bonus and equity.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
